9 tricks to help you control spending and save more

THE ECONOMIC TIMES Tue, May 15, 2018 | 06:30 AM IST ET Wealth Newsletter

WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#income tax,#tax filing,#critical illness,#taking a personal loan,#tax saving

9 tricks to help you control spending and save more All of us know that spending sensibly and saving regularly ensures future financial security. Yet, many are not able to save as much as they want to. How your mental biases can stop you from becoming rich Hard work, risk-averseness and goal-based investing may not be enough as there are chances of cognitive biases preventing you from getting rich. Why IT and pharma mutual funds may be a good bet now The benefit of opting for sector funds is that they provide a direct play in segments which may otherwise be under-represented in diversified equity funds. From our Partners Now get your life covered upto 100 years with the new iTerm plan from Aegon Life From our Partners Start Investing in Mutual Funds with as low as INR 500 with ET Money! A complete investing solution for smarter generation; Invest in Mutual Funds, Manage Expenses & Buy Insurance online Why you should be careful of 'free' credit score reports Your financial details such as PAN, address etc. risk getting misused if shared with little-known third-parties for free credit reports. Extended trading hours for derivatives is bad news for retail investors: View With extended trading hours, there's more incentive than ever before for people to unleash financial weapons that could make your money disappear. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) JM Core 11 Direct Plan-Growth 0.55 0.57 12.11 16.31 Invesco India Growth Opportunities Fund Direct-Growth 0.86 6.77 22.77 15.66 Kotak Select Focus Fund Direct-Growth 1.29 2.15 10.62 15.50 Mirae Asset India Equity Fund Direct- Growth 2.68 1.63 14.89 15.41 Mirae Asset India Equity Fund Regular- Growth 2.60 1.25 14.08 14.53 FeaturedICICI Prudential Balanced Advantage Direct-Growth ★★★★★ 0.22 2.50 10.89 11.37 Start SIP How safe are small banks offering higher interest rates on deposits to investors? New and small finance banks are luring depositors with higher rates. Experts say there is little to fear from these relatively less-known entities. Financial planning for those with irregular income The issues faced by those who earn irregular income are many, but they are not insurmountable.

Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.

Senior citizens' guide to managing money that applies to all at any age An octogenarian's guide to personal finance shows the way to health, wealth, and happiness. 5 practical ways to help your mother financially without straining your own budget Consider these five points while helping your mother financially so that you don't end up jeopardising your financial goals. Kid's education: Here's future cost of BTech, MBBS, MTech, MBA, BSc and how to save for it ET Wealth shortlists some of the common courses, their current and expected future fees and suggests routes to fund them. How inflation can eat into your retirement corpus When saving for retirement, don't forget to factor in a moderate rate of inflation or else the corpus accumulated would be too low to meet expenses. How Indians behave, scrimp, spend when travelling An Expedia survey finds out how Indians behave during travel. The survey reached out to 18,229 respondents across 23 countries. Here are some of its findings. How to calculate returns of mutual fund SIPs using MS Excel Since SIPs involve monthly investments, calculating returns can be a complex process. However, MS Excel's RATE function can help you determine returns easily. 6 ways to improve your laptop's performance The trouble with budget laptops is that they tend to slow down within a few months. ET Wealth provides you quick fixes to get your laptop up and running again. UTI Value Opportunities Fund: Wait and watch as investment strategy has changed This fund, formerly known as UTI Opportunities Fund, recently revised its mandate and will be investing with a value bias. MF Portfolio Doctor: Why Ranjan needs to rethink plan to buy a second house The Portfolio Doctor assesses health of fund portfolio, examines the schemes and their suitability with regard to the goals and recommends corrective measures. How to invest in direct plans of mutual funds Anyone can invest in a direct plan of a mutual fund scheme. However, the investor must keep a few things in mind before investing via this route. Family Finance: How Joshi can meet goals despite limited surplus An early start and limited surplus means that Joshi must invest for goals in line with the rise in his income. Stock pick of the week: Why analysts are bullish on MCX Better than expected 4th quarter results, 13% rise in revenue-leadership position and steps to corner new businesses, have made it a top pick. What is limited liability partnership? Liability of each partner is limited to his share as mentioned in the agreement compared to regular partnership firms which have unlimited liability. Startup Gramin Health Care is providing affordable services to rural India Based out of Gurugram, NCR, the startup has a presence in six states— Uttar Pradesh, West Bengal, Haryana, Rajasthan, Madhya Pradesh and Bihar. Alternative investment returns monitor: For the week ending May 9, 2018 Here's weekly tracker of returns from alternative investments. But don't compare these with traditional investments as purpose of such investments is different.

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News Digest: Twists and turns - and a fair share of controversies

		THE TIMES OF INDIA
		Tuesday, May 15, 2018
		Today's Headlines

		India
		Twists and turns - and a fair share of controversies Smriti Irani courted controversy repeatedly Piyush Goyal in big league, faces tough job of restoring banking sector health More India News»

		Business
		How Flipmart deal hits home rule of startups Piyush Goyal to handle finance ministry till Arun Jaitley recovers PNB lied to RBI despite knowing about LoU irregularities: CBI chargesheet More Business News»

		Environment
		Niagara Falls Aquarium begins building jellyfish exhibit The $440,000 project will let the aquarium permanently house jellyfish for the first time in its history. Plans call for about 100 jellyfish representing four species. They will swim in tanks in a darkened exhibit space with dramatic lighting. Thai environment protesters claim victory in battle over forest housing Environmental activists in the northern Thai city of Chiang Mai claimed victory after the country's military government agreed in talks on Sunday not to use forested land to develop luxury property. Over 10,000 endangered tortoises rescued in Madagascar More than 10,000 crore critically endangered radiated tortoise have been recovered from traffickers, who had crammed them in a shelter without food or water. Reportedly, hundreds of them died from illness and dehydration. More Environment News»

		World
		Nawaz Sharif defends 26/11 remarks, says he will speak the truth In a meeting convened by PM Shahid Khaqan Abbasi, the NSC reviewed Sharif 's criticism against the Pakistani establishment in delaying the trial against terrorists in the 26/11 Mumbai attacks. The committee, "unanimously" termed Sharif 's remarks as "incorrect and misleading". Indonesia bombings: 8-year-old among attackers as second family targets cops Anti-US cleric set to win Iraq polls as West-backed PM lags behind More World News»

		Entertainment
		Smriti Irani removed as I and B Minister Irani's deputy in the I and B Ministry has been given the charge of the key portfolio. Hema Malini escapes a massive storm in UP Ranveer to undergo physical change for Simmba Now that Ranveer Singh has wrapped up with Zoya Akhtar’s ‘Gully Boy’, the actor is all set to focus on his next. Ranveer will be playing a cop in Rohit Shetty’s ‘Simmba’ and the director wants him to be the best in shape. A daily had earlier quoted a source who revealed that the actor will be doing everything to bulk up his look. More Entertainment News»

		Science
		Isro team celebrates in unison the Pearl Jubilee at LPSC Micro-thermometer can record tiny temperature changes The miniaturised system with a nanoscale heat source and detector is essential for future development of next-generation transistors that will be employed in designing new nanoscale devices. The device has been developed by scientists at Tokyo Institute of Technology. Healthy diet may lower risk of hearing loss in women: Study Researchers found that women whose diets most closely resembled the AMED or DASH dietary patterns had about 30 per cent lower risk of moderate or worse hearing loss, compared with women whose diets resembled these dietary patterns the least. More Science News»

		Sports
		IPL: RCB cruise to 10-wicket victory, keep playoff hopes alive The play-off race is still wide open as Royal Challengers Bangalore registered a commanding 10-wicket victory over Kings XI Punjab on Monday to remain in contention. Neymar headlines Brazil's World Cup team Star striker Neymar, who hasn't played a game since breaking a bone in February, was named Monday at the head of Brazil's team seeking a record sixth World Cup in Russia. Not even Tendulkar could do what Kohli has done: Warne Legendary Australia spinner Shane Warne has singled out Virat Kohli and AB de Villiers as the two standout batsmen across formats from the current generation and says the India captain has achieved what even legendary Sachin Tendulkar couldn't. More Sports News»

		Technology
		Amazon Summer Sale Day 2 offers: Top 5 deals on ACs you can't miss Here are top deals on air conditioners on day two of Amazon Summer Sale. Read Apple CEO Tim Cook's reply to thank you note from 76-year-old man whose life was saved by Apple Watch Apple Watch is one of the most liked wearable device and it has often been a life saver in many of the situations. A latest story about the Apple Watch comes from Hong Kong, where the wearable saved the life of 76-year old Gaston D’Aquino. Google Pixel 2 (64GB) at an 'effective' price of Rs 13,898: Here's how Buyers can get the Google Pixel 2 (64GB) for an overall effective price of just Rs 13,898 from Flipkart during the sale. More Technology News»

		Education
		Gurgaon students top ICSE, ISC exams in Delhi-NCR Gurgaon students Jivansh Kakkar and Manavi Kapoor topped the ICSE class 10 examinations while Antra Kapoor bagged the top position in the class 12 exams, the results of which were declared on Monday. ICSE class 12 topper credits his mother for success Abhijnan Chakraborty who topped the ICSE Class 12 examination in the country on Monday gave credit of his stellar success to his mother, a businesswoman. Educational exchange with India vital: US envoy Principal Deputy Assistant Secretary for Educational and Cultural Affairs at the United States (US) Department of State, Ambassador Jennifer Zimdahl Galt's visit to the U.S.-India Education Foundation (USIEF) this weekend was aimed at underlining the importance on promoting educational exchanges between the world's two largest democracies. More Education News»

		Mumbai
		Two arrested for duping hundreds for quick loans City gets 1st floating trash broom at Irla pumping stn In a first for the city, the BMC on Monday started installing floating trash brooms that are expected to arrest floating garbage like thermocol and plastic, preventing them from entering the sea. Pak-trained man had plan to strike Mumbai The Jogeshwari man arrested for alleged links with Pak-based terror elements was conspiring to conduct attacks in Mumbai, Uttar Pradesh and Gujarat, said an ATS officer on Monday. More Mumbai News»

		Delhi
		Police inspector held for trafficking, extortion An inspector posted with the public grievance cell of Delhi Police's West district was suspended and arrested after he was found involved in a case of human trafficking and cheating. Gang robbed people on strolls, busted A gang of robbers that used to target people out on evening strolls has been busted.They used to snatch cash and expensive phones by holding people at gunpoint. Vendors plan to move SC for eviction relief More Delhi News»

		Bangalore
		Power, motor fuel hike to pinch consumers hard It was a blacker than usual black Monday for citizens of the state as they were handed a financial double whammy — an increase in prices of petrol and diesel and a hike in electricity bills. Namma Metro gets a tariff cut, but no move to lower fares In a bonusfor the Bangalore Metro Rail Corporation Limited (BMRCL), the Karnataka Electricity Regulation Commission (KERC) has reduced tariff by Re 1 per unit, but this is unlikely to be passed on to Namma Metro commuters. M N Srinivas's remembered village still retains its social set-up More Bangalore News»

		Hyderabad
		Sri Reddy and Feminists bust the 'ifs' of sexual harassment at workplace Home guard climbs hoarding, chaos hits traffic at Hyderabad flyover Students soar high but engineering colleges fail to score in national ranking More Hyderabad News»

		Chennai
		Safe to roll? Metro rail ready to open key lines, Anna Salai stns in 2 weeks Anna university results out: 46% engineering students flunk semester exam Met: Rainfall likely in interior Tamil Nadu but Chennai to remain dry More Chennai News»

		Ahmedabad
		Murder of Jamnagar lawyer was plotted in Dubai, say cops Two Held; Prime Accused Has Fled To Dubai On Fake Passport Bhaiyyuji Maharaj to help envision Sant Nagari Gujarat Tourism Dept Developing Project In Sabarkantha Gujarat BJP plans year-long celebration of Modi govt at Centre Gujarat BJP has planned a yearlong celebration to mark four years of Prime Minister Narendra Modi-led BJP government at the Centre.The programmes will start from May 26. More Ahmedabad News»

		Allahabad
		Lockers heist: 6 held with Rs 10L cash, mastermind still on run Allahabad: Body-worn cameras to help cops keep strict vigil during Kumbh-2019 UPPSC debars techie from exams for stapling Rs 1,000 notes in answer scripts Uttar Pradesh Public Service Commission (UPPSC) has debarred an engineer from appearing in any exam conducted by it for three years, for attaching Rs 1,000 currency notes and writing mobile number on his answer script of Combined Junior Engineers Examination-2013 held in 2014. More Allahabad News»

		Bhubaneswar
		OHRC seeks report from Odisha DGP on assault of two city women by police Odisha CM Naveen to inaugurate Gurupriya bridge next month Cyclists had fun in cycling under the stars The Bhubaneswar Cycling and Adventure Club (BCAC) organized the 3rd edition of Cycling under the Stars with more than 70 cyclists from different parts of Odisha. More Bhubaneswar News»

		Bhopal
		To go or not to go on the yatra, MP Congress to decide this week Seven students attempt suicide in Madhya Pradesh after board exam results Seven students, including five girls, attempted suicides in Madhya Pradesh within a few hours after results of Class 10th and 12th were announced on Monday. Kathakali performance brings mythology alive More Bhopal News»

		Chandigarh
		Fake realtor never calls back, man loses Rs 26 lakh A resident of Kalka allegedly duped a 45-year-old man of Rs 26 lakh on the pretext of selling a plot in Kharar, police said on Monday after registering a case. Commissioner says seize repeat offenders' vehicles Discos, dhabas, not to operate after midnight in Mohali More Chandigarh News»

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